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Alex Smith

Senior Mortgage & Protection Adviser

Alex obtained his Certificate of Mortgage Advice and Practice (CeMAP) in 2003 and has enjoyed helping hundreds of clients in that time. Alex joined the team at Capricorn in May 2014 and is a key adviser within Capricorn’s Large Loan team where he is able to use his industry experience to help clients with their complex lending requirements. Outside of work Alex enjoys spending time with his young family and lives in green surrounds of South East London.

Recent news and views from Alex

Private Banks

High street lenders base most of their lending decisions on credit bureau data and internal credit score cards. In some instances, a lenders system can determine the credit worthiness of the individual and determine the value of the property allowing a bank to offer the application within hours with very... read more

Consumer Buy to Let

The Mortgage Credit Directive Order 2015 which came in to effect on 21st March 2016 defines a consumer buy to let mortgage contract as a buy-to-let mortgage contract which is not entered into by the borrower wholly or predominantly for the purposes of a business carried on, or intended to... read more
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